I thought it would be kind of interesting if we would all post what our beginning FICO score (or whatever score you use) and what they are now after all the work to get the crap removed from the CR...I'll start. FICO 10/99 487 10/01 573
Who know's 3.5 yrs ago at BK....had to be BAD. 550 average during my mtg 2 yrs ago. Averaging around 640 - 650 now. Had a high of 717 at one time this summer on Equifax, but I had an item jump back on my report. Shawn
About 6 months ago --> ~550 (with charge off and paid collections and several inquiries) In September --> 614 (charge off deleted, paid collections still on, still several inquiries and new accounts opened). I'm sure it's a little higher now since I had the paid collections removed from my Equifax report. I applied for a Target card (most likely a denial) so I can get my free report from Equifax to see my new score. =0)
586 in April 2000 (myfico.com) 578 in October 2000 (Credit Expert) My credit is considerably better now, don't know why score so low.
credit expert was 590 in june , now 672 equifax was 625 now 650 TU 584 lol.... Well I don't agree with their stupid score and citibank doesn't either because they gave me a aadvantage card..... So I think that TU can take that stupid score and shove it......
Tu from 630 to 720 Credit expert @580 to 657 Beacon @590 to 689 Been working on this for 6 months. Finally am seeing the rewards.
In December of 1999: Equifax 472 6 charge offs, numerous late notations, and judgement TU 510 12 charge offs, numerous late notations, and 2 unpaid judgements. Experian 499 12 chargeoffis, numerous late notations, and 2 unpaid judgements. Today: Equifax 680 Perfect no negs TU 695 Perfect no negs Experian 595 (worst report) 3 charge off's, judgements gone, and a few late pays.
Equifax: 620>>>>660 (showing one paid collection, 4 inquiries in 2 yrs) TU: 640>>>>>820 (perfect, 0 inquiries in 2yrs) Experian: 620>>>>>>>>700 (showing one paid collection, 1 inquiry in 2yrs))
Ive gone from low 400's on all to 653 EX 647 TU 593 EQ haha lol EQ only has 4 accounts for me and deleted my mortgage when I asked them to update the payments
TU- 635-now- 695. Nice people. Uh huh. Yeah. EX-727. EQ 689-now-745 These scores are subject to change without notice.
620's in April, 640's in August. Haven't pulled it since. Waiting to get some balances paid down. I have had some negatives removed since then but not on Equifax.
